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There are various kinds of commercial policies, like there are various kinds of personal policies. The big difference is that commercial lines coverage applies to business-related risks.

The mechanism of obtaining commercial coverage starts with seeking an agent or broker that specializes in commercial lines coverage; it is vastly different from personal lines, so you will want someone skilled in the area.

Whatever you do, make sure that the insurer is authorized to transact the kind of insurance that you are buying in the state where the policy will be issued. Also make sure that the agent is not only experienced in commercial lines coverage, but is licensed in the state where he/she does business.

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Q: How do you get a commercial policy?
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